FAQ

We never ask for tax returns, W-2s, K-1s, P&Ls or farm financials. Underwriting is based on the property — appraisal, title, water, access, use — plus a soft credit pull to confirm the 680 minimum.

No. All loans are business-purpose, secured by non-owner-occupied agricultural real estate. You can't live on the property as your primary residence.

Purchases, refinances, cash-out and bridge needs tied to the land or your broader business: acquiring acreage, paying off a maturing note, funding planting or improvements, 1031 exchanges, partner buyouts.

Against the as-is appraised value from a licensed appraiser we order. On purchases, we lend the lesser of 70% of appraised value or 70% of purchase price.

680 or better for at least one guarantor. It's a soft pull at application, so checking your options never affects your score.

Yes — LLCs, partnerships, trusts and individuals all qualify. Most borrowers close in an entity.

Vineyards, wineries, row-crop and specialty farms, ranches, orchards and groves, and raw or transitional agricultural land in all 50 states. Owner-occupied homesteads and primary residences do not.

Term sheet in 24–48 hours; funding typically 2–4 weeks after you sign it. Appraisal scheduling is usually the long pole.

Up to $1,500,000, 12–36 month terms, interest-only available, with flexible prepayment. Rates are quoted per asset on your term sheet.

You get a client portal: track status, upload the handful of closing items (ID, entity docs, purchase contract), sign electronically, and message your loan team directly.